with 3 herniated / bulging discs I am a surgical candidate but some dr's say that a person in their mid 30's should wait to have surgery because it most likely will result in sequential surgeries. Being that the effected discs are C4,5,6 fusion options are limited for any sequential surgeries and will probably be ineffective or cause more problems. Since my decision not to have the surgery (approx. 2 yrs) I have been prohibited from seeing a doctor and am not able to get any prescriptions to help control pain. Now, the insurance has called offering me a $35k pre-approved settlement offer to close my case. I know this will not cover the cost of surgery in the future. I have sought out atty's but have had no luck as it is a fed worker's comp case. Please help.